FHA Loan Limits in Queens County, New York (2026)
In Queens County — anchored by Queens County — the 2026 FHA loan limit for a single-family home is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
These 2026 limits apply throughout Queens County, from Queens County outward, and sit alongside the limits set for neighboring Kings and New York Counties.
Affording a home in Queens County & Queens County
An FHA buyer near Queens County faces an estimated $725,000 median, a $25,375 down payment, and — after New York's 1.72% property tax — a monthly cost around $5,860. That suits household income of roughly $227,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Queens County
Whether you are buying in Queens County or a smaller Queens County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $522,000 | $18,270 | $4,252 |
| Local median — $725,000 | $25,375 | $5,860 |
| At the FHA limit — $1,249,125 | $43,719 | $10,011 |
Estimates include FHA MIP plus New York property taxes and insurance. Rates move daily near Queens County too — get notified.
In Queens County and the surrounding Queens County market, FHA's appeal is the math: $25,375 down on a $725,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Queens County
Investors and house-hackers in Queens County and across Queens County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Queens County for 2026?
- In Queens County (Queens County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Queens County with FHA?
- For a median-priced ($725,000) Queens County home, plan on income around $227,000 at a 31% housing ratio — about $5,860/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Queens County?
- 3.5% with a 580+ score — roughly $25,375 on a $725,000 Queens County-area home. Gift funds are allowed.
- Is Queens County a high-cost FHA area?
- Yes — Queens County's $1,249,125 one-unit limit tops the $541,287 national floor.